US 2020/0005261 A1 · Frictionless Automated Teller Machine

Abstract

A transaction access point computing system may include an automated teller machine (ATM) or other transaction access point and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM along with a unified user identifier. After confirmation of the additional identifier, the ATM may dispense a specified amount of currency.

Claims19

Dependent claims

A computer implemented method, comprising:

receiving, via a local data communications network at a mobile device, a beacon signal including a command to awaken a mobile application on the mobile device;
retrieving, from a memory of the mobile device, a first user identifier associated with the user of the mobile device;
communicating, via a second network, the user first identifier to an authentication server;
capturing, by an automated teller machine (ATM), an image of the user of the mobile device;
communicating, the image of the user to the authentication server;
receiving, at the ATM, a signal including an authentication indication corresponding to the image and a unified user identifier;
and
dispensing, by a currency dispenser of the ATM, a specified amount of currency after receipt of the authentication indication and the unified user identifier.

5 more elements

Dependencies are inferred from the claim text.

Frictionless Automated Teller Machine

Life of this patent

Frictionless Automated Teller Machine

Life of this patent

Abstract

Claims19